Checked Oct 28, 2026.
Citi Strata Premier fee and points calculator
By Joe
The annual fee is $95. Check a credit only if you would use it, then enter the spend you expect. Points are valued at 1.5 cents, the smaller of the valuation file and the publisher check. Citi card page. Checked Oct 28, 2026.
The issuer page does not state a portal, cash, or gift-card cents-per-point value. This calculator does not show one.
Citi names some transfer partners and says "and others." The full list and the transfer ratios are not on the Citi page. This calculator lists the named partners and does not show ratios.
Annual fee and points
Leave a credit unchecked and it counts as zero. Leave a credit amount blank and the calculator uses the printed maximum. One-time offers are not in the total.
Point value used on this page
The valuation file and the publisher check both come out to 1.5 cents. This page uses 1.5 cents. The publisher check for ThankYou points is the smallest of The Points Guy 1.9, AwardWallet 2.35, Frequent Miler RRV 1.5, NerdWallet 1.7. The smallest of those four is Frequent Miler RRV. Checked Oct 28, 2026.
Valuation file for Citi ThankYou Points: 1.5 cents, last checked 2026-10-20. That figure is the smallest of the sources stored in the file.
- TPG 1.9 cents, 2026-10-01. TPG
- AwardWallet 2.35 cents, 2026-09-01. AwardWallet
- Frequent Miler RRV 1.5 cents, 2026-10-20. Frequent Miler RRV
Publisher check, Checked Oct 28, 2026. The smallest figure is Frequent Miler RRV.
- The Points Guy 1.9 cents. The Points Guy. Checked Oct 28, 2026.
- AwardWallet 2.35 cents. AwardWallet. Checked Oct 28, 2026.
- Frequent Miler RRV 1.5 cents. Frequent Miler RRV. Checked Oct 28, 2026.
- NerdWallet 1.7 cents. NerdWallet. Checked Oct 28, 2026.
The same valuation file feeds the monthly points valuations. A redemption that is not this card's earn rate belongs in the points value calculator.
Transfer partner names
Citi names some transfer partners and says "and others." The full list and the transfer ratios are not on the Citi page. This calculator lists the named partners and does not show ratios.
- American Airlines
- JetBlue
- Virgin Atlantic
- Cathay
- EVA
- Choice
- Leading Hotels of the World
Issuer page. Checked Oct 28, 2026.
Figures and sources
Every row below is a verified or changed figure. Checked Oct 28, 2026.
| Item | Value | Source | Checked |
|---|---|---|---|
| Annual fee | Annual fee $95. | Issuer or publisher page | Oct 28, 2026 |
| Hotels, car rentals, and attractions on cititravel.com | 10X. | Issuer or publisher page | Oct 28, 2026 |
| Air travel and other hotels | 3X. | Issuer or publisher page | Oct 28, 2026 |
| Restaurants | 3X. | Issuer or publisher page | Oct 28, 2026 |
| Supermarkets | 3X. | Issuer or publisher page | Oct 28, 2026 |
| Gas and EV charging | 3X. | Issuer or publisher page | Oct 28, 2026 |
| Other purchases | 1X. | Issuer or publisher page | Oct 28, 2026 |
| Annual hotel benefit | $100 off one stay of $500 or more before tax, booked on cititravel.com, once per calendar year. | Issuer or publisher page | Oct 28, 2026 |
| Authorized user fee | None. | Issuer or publisher page | Oct 28, 2026 |
| Transfer partner names | American Airlines, JetBlue, Virgin Atlantic, Cathay, EVA, Choice, Leading Hotels of the World | Issuer or publisher page | Oct 28, 2026 |
| ThankYou points value, The Points Guy | 1.9 cents | Issuer or publisher page | Oct 28, 2026 |
| ThankYou points value, AwardWallet | 2.35 cents | Issuer or publisher page | Oct 28, 2026 |
| ThankYou points value, Frequent Miler RRV | 1.5 cents | Issuer or publisher page | Oct 28, 2026 |
| ThankYou points value, NerdWallet | 1.7 cents | Issuer or publisher page | Oct 28, 2026 |
Notes from the issuer page
- Citi states there is no authorized-user fee.
- Citi states there is no limit to the amount of points earned. No category cap is applied.
Shown, not subtracted every year
These figures are on the issuer page. A four-year credit, a per-stay credit with no annual cap, a one-time offer, or a benefit with no dollar amount stays out of the yearly total.
- Authorized user fee. None. Source. Checked Oct 28, 2026.
Left off this page
- Full transfer partner list and all ratios. Not on the Citi page. Ratios are not shown.
- Portal, cash, and gift-card cents per point. No issuer page states them.
Questions
How does the Citi Strata Premier annual-fee calculator work?
Net annual cost starts at the $95 annual fee. Add-on fees you enter are added. Credits you check are subtracted. Points from the spend you enter are valued at 1.5 cents and subtracted. A credit you leave unchecked counts as zero. One-time offers are not subtracted.
What point value does this page use for ThankYou points?
The valuation file and the publisher check both come out to 1.5 cents. This page uses 1.5 cents. The publisher check for ThankYou points is the smallest of The Points Guy 1.9, AwardWallet 2.35, Frequent Miler RRV 1.5, NerdWallet 1.7. The smallest of those four is Frequent Miler RRV. Checked Oct 28, 2026.
Why do some benefits stay out of the annual total?
A benefit stays out when the issuer does not state a yearly dollar amount, when it is paid every four years, or when it is a one-time offer. Counting those as a full yearly credit would invent a figure.
What is left off this page on purpose?
The issuer page does not state a portal, cash, or gift-card cents-per-point value. This calculator does not show one. Citi names some transfer partners and says "and others." The full list and the transfer ratios are not on the Citi page. This calculator lists the named partners and does not show ratios. Full transfer partner list and all ratios: Not on the Citi page. Ratios are not shown. Portal, cash, and gift-card cents per point: No issuer page states them.